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Debt Free School Year Challenge (Plus Printable Planner and Budget)

For those of you with kids, it’s time to start thinking about buying school supplies and clothes. But school shopping can really put a dent in your budget, especially if you have more than one child. The best strategy is to set a budget for your back to school expenses and try to stick to it.

Debt Free School Year Challenge

I want to challenge you to the Debt Free School Year Challenge. This is where you try to avoid putting any school supplies or clothes purchases on credit.  I’m going to take the challenge and I hope you will too. If you stay within your budget then you won’t have to go into debt this school year. You shouldn’t use debt to pay for these items, especially when there are so many sales available this time of year.

Free Printable Planner

I have created an entire 12-page Back-to-School Planner that includes a Back-to-School Budget, Monthly Calendar, Weekly Planner, Back-to-School Checklist, Shopping List, School Info Sheet, Before and After School Checklist, Family Chore Chart, Week Scheduler, Lunch Menu, School Lunch Idea Sheet and Homework To Do List. It has everything you need to organize your school year. It will also help you set a budget for school shopping.  Get your FREE copy in the Free Printables page or at the bottom of this post.

Meal Planner

Back-to-school also gives you the perfect opportunity to get back on track with meal planning and keeping your food budget under control. There is a Meal Planner listed on the Free Printables page if you need that. Also, I will be doing a post in the next couple of weeks about a 10-minute Emergency Meal Plan. It will help you have a backup plan when you are tired, running late, or out of ingredients. This will keep you from going out to eat and spending too much.

Back-to-School Shopping Strategy

After you set up a budget and shopping list for your school shopping, it’s time to start looking for deals. Make sure to check your weekly circulars that come in the mail. Stores will be advertising deals heavily this time of year. Lastly, use an online shopping strategy that involves using a rebate app (Ebates: get $10 sign up bonus here,  Mr. Rebates: $5 sign up bonus here, or Swag Bucks), online coupon sites (BeFrugal.com: get $10 sign up bonus here, InboxDollars, or TopCashBack), and discounted gift cards (Raise.com, Cardpool.com).

There are also quite a few ways to save on food for school lunches. For really cheap meat, go to Zaycon Fresh. For deals at grocery stores, download coupons from coupons.com or RedPlum. You can also get rebates on groceries at Ibotta.

Will You Take the Challenge?

Are you willing to set up a school shopping budget and try to stick to it? Are you willing to take the Debt Free School Year Challenge where you don’t use debt to pay for any of your school shopping? Let me know how it goes. I love to hear how things are going for you. Budgeting is so important and is the way to get back on track with your spending and get on the road to financial freedom.

Don’t Forget Your Free Download

Get your FREE copy of the Back-to-School Planner with 13 helpful worksheets including a Back-to-School Budget, Monthly Calendar, Weekly Planner, Back-to-School Checklist, Shopping List, School Info Sheet, Before and After School Checklist, Family Chore Chart, Week Scheduler, Lunch Menu, School Lunch Idea Sheet and Homework To Do List. 

 

Download File !!!!!!!

 

If you need help setting up a budget, click here. For a copy of The Modern Mom’s EPIC Guide to Easy Budgeting! 28 Page Workbook with 87 ideas to reduce expenses, 14 beautiful worksheets, 7 bonus lessons, and full, easy-to-follow instructions, including top advice from a professional accountant and university instructor, click here.

Enter for your chance to win a FREE $150 Amazon Gift Card.